# Mortgage Insights - Summer 2026

![Summer newsletter 2026](https://d2r7yk1mqahd04.cloudfront.net/images/Summer-newsletter-2026.png)
### April 29, 2026

# 20 years of helping you save.

[Email link](https://mailchi.mp/f6611eae73c8/summer-newsletter-june-2026?e=5beef5bcd8$0)

## We don't count the days — we make the days count.

Over 20 years ago, CEO Dan Eisner started True North Mortgage to give Canadian homeowners a better mortgage choice than the big banks.

**Great rates. No fees.** That was one of Dan's original store taglines, and here we are today. Same low-rate obsession, same drive to provide outstanding free service, same effort to build trust and reach more homeowners who want to save money, time and stress.

Read about our 20-year journey below, including our expansion across Canada and the addition of our in-house lender, THINK Financial.

Oh, and we're just getting started — thanks for trusting us with your mortgage needs.

**[TRUE NORTH MORTGAGE TIMELINE](https://www.truenorthmortgage.ca/blog/celebrating-our-20th-anniversary)**

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# Pull up a lawn chair, have a read

### [Doing the Hustle?](https://www.truenorthmortgage.ca/blog/side-hustle)

Side hustle income has a new summer job — helping you qualify for a mortgage. Read about the rules and docs.

### [Mortgage Rate Forecast](https://www.truenorthmortgage.ca/blog/mortgage-rate-forecast)

Did rate-hike forecasts for 2026 get mowed down? Read the latest economic drama —and where rates may go next.

### [Gifted Down Payments](https://www.truenorthmortgage.ca/blog/can-your-down-payment-be-gifted)

Nothing says summer like a new home. A down payment gift can help — here's how it works.

### [Summer Home Maintenance](https://www.truenorthmortgage.ca/blog/your-summer-home-maintenance-checklist)

Now fold up the chair and dig into these tasks and tips — like how to avoid bugs and small, furry complications.

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# Sure, 20 years — but what have we done for you *lately*?

## [Your best rates in Canada, of course — can you smell the fresh-cut savings?](https://www.truenorthmortgage.ca/rates)

## [And our new alternative mortgage with extended income ratios for more flexible approvals.](https://www.truenorthmortgage.ca/blog/introducing-compass-alternative-mortgage)

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## Renewing soon? [Calculate payments here](https://www.truenorthmortgage.ca/tools/renewal-calculator)

## Looking to refinance? [Apply now](https://apply.truenorthmortgage.ca/apply-online/start)
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## Wait, there's more!

[2025 Mortgage Year is Wrapped!](https://www.truenorthmortgage.ca/blog/2025-mortgage-year-is-wrapped)

[GST Rebate for first-time buyers of a new home](https://www.truenorthmortgage.ca/blog/gst-rebate-on-new-homes)

[One-year HST rebate in ON for new-home buyers](https://www.truenorthmortgage.ca/blog/ontario-hst-rebate)

[When do you face the mortgage stress test?](https://www.truenorthmortgage.ca/blog/what-is-the-mortgage-stress-test)

[Are foreclosure rules in ON driving up your rate?](https://www.truenorthmortgage.ca/blog/foreclosure-rules-driving-higher-mortgage-rates)
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